Pets Best pet insurance review 2025

Pets Best standing (Elite policy): 5 retired of 5 stars

Best for: Overall

Pets Best topped Yahoo Finance’s valuation of the best favored security companies acknowledgment to its unparalleled operation of competitory mean costs and extended coverage.

There are 3 Pets Best policies to take from, each with somewhat antithetic sum details and costs: Essential, Plus, and Elite. The Elite program scored 5 stars successful our evaluation, and the Plus (4.7 stars) and Essential (4.6 stars) policies were besides apical rated.

Pros

• Unlimited yearly sum enactment available

• Affordable $50 deductible option

• Low mean outgo successful our terms comparison, particularly for the unlimited yearly policy

• Ability to wage a vet straight truthful you don’t person to hold for reimbursement

• Alternative therapy covered

• Behavioral therapy medicine and consultations covered

• Reimbursement tin beryllium made straight to a CareCredit card

Cons

• No sum for supplements oregon medicine food

• Excludes chronic problems specified arsenic hep dysplasia, diabetes, bosom disease, hyperthyroidism, and Cushing’s

Learn more: How does favored security work? A implicit guide.

When buying for favored insurance, look astatine these basal details:

• Annual maximum bounds choices: $5,000, unlimited

• Deductible choices: $50, $100, $200, $250, $500

• Reimbursement choices: 70%, 80%, 90%

• For mishap coverage: 3 days (in astir states)

• For unwellness coverage: 14 days (in astir states)

• Special waiting period: 6 months for cruciate ligament issues

• Minimum favored age: 7 weeks

• Maximum favored age: None

• The champion favored security companies of 2025

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• How does favored security work? A implicit guide.

Pets Best policies screen a wide scope of problems, from hereditary and congenital conditions to crab to infections. Here’s a person look astatine sum nether the Pets Best Elite policy.

Pets Best Elite mishap and unwellness policy

The argumentation offers the highest level of sum among Pets Best’s 3 plans, including:

• The vet exam fee

• Hereditary and congenital conditions specified arsenic cherry oculus and Wobbler syndrome

• Diagnostics specified arsenic X-rays and ultrasounds

• Dental accidents and illnesses

• Behavioral therapy consultations and medicine medicines (but not behavioral attraction oregon training)

• Alternative therapies specified arsenic acupuncture, chiropractic care, acold laser therapy, carnal therapy, and hydrotherapy.

• Prescription drugs

• Euthanasia

The accident-only program covers problems specified arsenic breached bones, overseas bodies that are swallowed, and injuries from being deed by a vehicle.

Pets Best offers 2 tiers of wellness plans: EssentialWellness and BestWellness. Both screen the aforesaid regular attraction expenses but with antithetic pricing and yearly maximums:

• EssentialWellness: Benefits up to $305/year for $14-$21.75/month

• BestWellness: Benefits up to $535/year for $26-$32.58/month

The EssentialWellness and BestWellness plans volition reimburse you up to specified limits for the following:

• An yearly wellness exam

• Vaccinations

• Teeth cleaning

• Spaying and neutering

• Rabies

• Flea/tick prevention

• Heartworm prevention

• Deworming

• Titer vaccine test

• Heartworm trial oregon FELV screen

• Blood, fecal, parasite exam

• Urinalysis oregon ERD

• Microchipping

Pets Best does not screen immoderate preexisting conditions. It defines a preexisting information as: “Any information for which a veterinarian provided aesculapian advice, the favored received attraction for, oregon the favored displayed signs oregon symptoms accordant with the stated information anterior to the effectual day of a favored security argumentation [Policy Effective Date] oregon during immoderate waiting period.”

Yes, if you bargain favored security from Pets Best you’ll person entree to its 24/7 favored helpline. This gives you entree to veterinary experts with nary limits connected usage of the helpline. It’s perfect for questions astir things the favored has eaten, grooming tips, and different issues.

Pets Best policies won’t screen expenses specified as:

• Prescriptions not included successful Pets Best’s formulary

• Breeding

• Boarding and transportation, including ambulances

• Preexisting bilateral conditions, adjacent erstwhile they look connected the different broadside of the body

• Elective and cosmetic procedures, specified arsenic process docking and declawing

• Experimental medications and therapies

• Claims for pets who were recovered to beryllium steadfast and with nary objective symptoms

• Complications from tests and treatments not covered by the policy

• Anal gland expression

• Injuries from intentional acts, specified arsenic canine fighting

• Conditions owed to racing, specified arsenic sled and way racing

• Cremation and burial (although euthanasia is covered)

• Increases: You tin summation sum lone astatine the yearly renewal time, specified arsenic moving from 70% to 80% coinsurance. However, expanding your yearly bounds volition necessitate canceling the argumentation and buying a caller one. This volition reset the waiting periods and the preexisting sum exclusions.

• Decreases: You tin alteration your Pets Best sum astatine immoderate time, specified arsenic lowering your yearly bounds oregon going from 80% to 70% coinsurance.

We recovered Pets Best’s costs to beryllium competitive, particularly for its unlimited policy.

In our evaluation, Pets Best’s argumentation with $5,000 successful yearly sum has costs beneath the average.

For unlimited yearly coverage, Pets Best is simply a bargain considering the sum included. While Lemonade has a little mean outgo for its basal plan, galore of Lemonade’s sum types necessitate other costs for add-ons.

Yes, Pets Best has a 5% multi-pet discount per favored erstwhile you insure much than 1 feline oregon dog.

Another vantage with Pets Best is the quality to wage a vet directly. To usage Vet Direct Pay, you nonstop a signed transcript of a veterinarian reimbursement signifier on with your assertion paperwork.

Here’s what to cognize astir making claims for Pets Best favored insurance:

• To marque a claim: You’ll request to taxable a completed assertion signifier and copies of each paid invoices. Pets Best whitethorn necessitate implicit aesculapian records for the favored successful bid to process the claim.

• To taxable claims quickly: Log successful to your lawsuit relationship online and upload everything electronically.

• To person reimbursements faster: Set up a default reimbursement enactment successful your account. You tin get reimbursement straight to a slope relationship oregon a CareCredit recognition paper if you person one.

• If your assertion is denied: You tin entreaty the decision.

You person 180 days from the vet sojourn to taxable a assertion to Pets Best.

Pets Best says it takes 5 to 7 days if payments are going straight to your slope relationship and 3 oregon 5 days if you’ve chosen to get reimbursement to your CareCredit recognition card. Paper checks volition instrumentality longer.

A bully mobile app is important truthful that you tin cheque your sum details and claims status. Pets Best’s mobile app is highly rated by users.

With its app, you tin entree your pet’s sum information, taxable and presumption claims, person reminders for payments, entree the 24/7 telehealth line, and more.

Take a look astatine Pets Best mobile app ratings:

• Apple App store: 4.6 of of 5 stars

• Google Play store: 4.8 of of 5 stars

Pets Best favored security is disposable successful each 50 states.

You tin marque claims with Pets Best from immoderate veterinarian successful U.S., Canada, and U.S. territory oregon subject installations/bases successful overseas countries.

There’s nary favored aesculapian exam request for buying a Pets Best policy.

You tin interaction Pets Best either by phone, fax, oregon mail:

• Contact Pets Best astatine 1-877-738-7237 from Monday to Friday (6 a.m to 7 p.m. MT) and Saturday (6 a.m. to 2 p.m. MT)

• The fax fig is 1-866-777-1434

• The mailing code is: Pets Best Insurance Services, LLC, 965 Keller Rd., Altamonte Springs, FL 32714

Pets Best has a 30-day escaped look play during which you tin cancel a argumentation for a afloat refund arsenic agelong arsenic nary claims were paid. This cancellation volition void the policy.

You tin cancel your Pets Best argumentation astatine immoderate clip by notifying them successful penning via mail, fax, oregon email. Policies canceled successful midterm volition beryllium refunded connected a pro-rata basis.

We researched the sum details and prices for 15 favored security plans. We past weighted categories and each favored insurer was scored comparative to the others to find the champion favored security companies. Here are the factors we incorporated.

Coverage types: 40% of score. We examined the sum provided by the basal policy, without the other outgo of add-ons. This encompassed sum for alternate therapy, behavioral therapy, dental illness, euthanasia oregon end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, medicine nutrient and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.

Average cost: 30% of score. We evaluated costs successful 5 states for $5,000 and unlimited sum for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Unlimited sum option: 10% of score. We gave points erstwhile favored insurers offered an unlimited yearly bounds (or a $100,000 limit), which gives favored owners the astir robust fiscal extortion imaginable successful the lawsuit of a catastrophic favored aesculapian issue.

Direct payments to the veterinarian: 5% of score. We gave points to favored insurers that authorities connected their websites that they accommodate nonstop vet payments.

No peculiar waiting periods for peculiar conditions: 5% of score. We person points erstwhile favored insurers person nary waiting periods for peculiar conditions, specified arsenic cruciate ligament conditions.

Routine wellness plan: 5% of score. Companies that connection a regular wellness program successful summation to favored security received points.

Multi-pet discount: 5% of score. We gave points erstwhile favored insurers offered a discount for insuring aggregate pets.